The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$48,311
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,814
−HK$1,527/mo
Today · 4.125%
HK$51,341
baseline
▲ 0.50% · 4.625%
HK$54,464
+HK$3,123/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,682/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,745
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,187
−HK$1,462/mo
Today · 4.125%
HK$56,649
baseline
▲ 0.50% · 4.625%
HK$59,635
+HK$2,986/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,298/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,973
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,776
−HK$1,833/mo
Today · 4.125%
HK$61,609
baseline
▲ 0.50% · 4.625%
HK$65,357
+HK$3,748/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,218/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,495
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,224
−HK$1,755/mo
Today · 4.125%
HK$67,979
baseline
▲ 0.50% · 4.625%
HK$71,562
+HK$3,583/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,958/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,635
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,739
−HK$2,138/mo
Today · 4.125%
HK$71,877
baseline
▲ 0.50% · 4.625%
HK$76,250
+HK$4,373/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$143,754/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,244
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,262
−HK$2,047/mo
Today · 4.125%
HK$79,309
baseline
▲ 0.50% · 4.625%
HK$83,489
+HK$4,180/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$158,618/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,960
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,665
−HK$2,748/mo
Today · 4.125%
HK$92,413
baseline
▲ 0.50% · 4.625%
HK$98,036
+HK$5,623/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,826/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,742
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,336
−HK$2,633/mo
Today · 4.125%
HK$101,969
baseline
▲ 0.50% · 4.625%
HK$107,343
+HK$5,374/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$203,938/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,665 · Scale 2, in force from 26 Feb 2026)